Slide 1: Ferratum Oyj Conference Call – Full Year Results 2015
Ferratum Oyj | Conference Call – Full Year Results 2015 Jorma Jokela and Dr. Clemens Krause 1
Slide 2: Important Notice
Important Notice This presentation contains, or may be deemed to contain, forward-looking statements. These statements relate to future events or future financial performance of Ferratum. Such statements are based on the current expectations and certain assumptions of Ferratum’s management, of which
Slide 3: Experience – More than 10 Years of Profitable Growth
Experience – More than 10 Years of Profitable Growth Our Values: Professional…. Profitable…. Innovative... Ethical…. … in every country and with all customers * Total user accounts as of 31/12/15, i.e. registered accounts and active/former customers; ** Malta: No local operations 3
Slide 4: Convincing Growth Story Delivered
Convincing Growth Story Delivered Revenues (€ k) Operating profit – EBIT (€ k) Profit before income tax – EBT (€ k) Profit for the period (€ k) 4
Slide 5: Clear Growth Strategy Focused
Clear Growth Strategy Focused 5
Slide 6: Clear Growth Strategy Focused on Three Initiatives
Clear Growth Strategy Focused on Three Initiatives Growth strategy – key elements Implementation in 2015 / Q1 2016 Market entries in four markets: 1 Geographic expansion Norway, Canada, France and Mexico 1. Credit Limit and PlusLoans 2 Diversification of product portfolio introduced into further exi
Slide 7: Product Portfolio and Country Diversification I
Product Portfolio and Country Diversification I 7
Slide 8: Product Portfolio and Country Diversification II
Product Portfolio and Country Diversification II Amount Duration Ø (in € m) (in days) Product SME Loans 9,000 268 Microloans 255 29 PlusLoans 475 303 Rated Ø: SME Loans, 683 138 Microloans, PlusLoans Credit Limit 750 n/a 8
Slide 9: Mobile Bank – The Bank in your Hand
Mobile Bank – The Bank in your Hand Multi- Easy national State-of-the-art Advantage for Mobile Bank Ferratum based on Mobile account opening • Deposits for more favourable refinancing of Real-time loans loan business Deposits • Open platform for new Transactions Real- products like P2P lending Mobil
Slide 10: Step by Step – Planned Mobile Bank Development
Step by Step – Planned Mobile Bank Development 10
Slide 11: Significant Increase in Revenues and Profitability
Significant Increase in Revenues and Profitability 2015 before 2015 2015 IPO-related IPO-related In € m 2014 items items Total Income statement • Revenue growth of 57.4% in FY 2015 Revenue 70.5 111.0 111.0 Other income 0.2 0.05 0.05 • Sustainable profitability since foundation of the company: EBIT A
Slide 12: Considerable Revenue and EBIT Growth on Quarterly Basis
Considerable Revenue and EBIT Growth on Quarterly Basis 12
Slide 13: Portfolio Quality Significantly Improved
Portfolio Quality Significantly Improved Coverage In € k GBV Impairments NBV ratio (in %) Dec. 31, 2014 Not due 37,376 (2,395) 34,981 6.4 1-90 days due 18,330 (4,987) 13,344 27.2 91-180 days due 6,956 (3,485) 3,471 50.1 >181 days due 43,048 (33,315) 9,733 77.4 Total 105,710 (44,181) 61,529 41.8 Cove
Slide 14: Solid Balance Sheet Structure: Equity Ratio at 55.4% as of Dec 31, 2015
Solid Balance Sheet Structure: Equity Ratio at 55.4% as of Dec 31, 2015 In € k 31-Dec-2014 31-Dec-2015 Assets Non-current assets 7,388 11,484 Net receivables 61,529 106,758 Other current assets 2,862 4,433 Cash and cash equivalents 8,026 17,452 Total Assets 79,805 140,127 Equity and liabilities Equi
Slide 15: Cash Position Significantly Increased
Cash Position Significantly Increased In € k 2014 2015 Assets • Strong funding: IPO net Net cash from operating proceeds of EUR 46.2 million activities before movements 7,657 19,104 and proceeds of EUR 20 in portfolio million from Ferratum Bank plc´s bond emission Net cash from operating (8,876) (32
Slide 16: Investors Showing Great Confidence in Sustainable Growth Strategy
Investors Showing Great Confidence in Sustainable Growth Strategy Shareholder Structure Financial Calendar Annual General Meeting April 26, 2016 2016 Report for the first three May 12, 2016 months of 2016 Report for the first August 11, 2016 half-year 2016 Report for the first nine November 10, 2016
Slide 17: Q&A Session
Q&A Session Leading mobile bank 0 Ferratum” More than money
Slide 18: Contact
Contact Investor Relations Headquarters Ferratum Group Ferratum Group Dr. Clemens Krause Ratamestarinkatu 11 A CFO 00520 Helsinki, Finnland Telephone: +49 (0) 30 88715308 Telephone: +358 20 741 1611 Fax: +49 (0) 30 88715309 Fax: +358 20 741 1612 e-Mail: clemens.krause@ferratum.com Ferratum Group Pau